Digital Infrastructure & Sovereignty
Digital Infrastructure & Sovereignty is one of the focus topics of Finance Loop. It covers the systems and control decisions behind modern financial services. The financial infrastructure overview follows payments and securities from instruction to settlement. The core banking answer explains the ledger inside an institution. Cloud coverage separates data residency from legal and operational control, while the cloud exit guide addresses portability and continuity. The EUDI wallet brings digital identity to bank onboarding, and eIDAS 2 sets deadlines for member states and banks. Open finance extends the open banking interfaces to savings, investments, loans, pensions and insurance. A bank that works with public blockchains can run its own blockchain nodes and decide whether to operate validators as well. Further answers cover market data, open banking APIs, ISO 20022, payment rails, DORA oversight, confidential computing, open source and post-quantum security. Together they show where a bank depends on shared infrastructure, an ICT provider or its own technology and governance.
Get into the Loop
Get news about emerging tech in finance, events and learning opportunities.
Collaborate with Finance Loop
Contact Finance Loop to discuss collaborating on Digital Infrastructure & Sovereignty.
-
What is financial infrastructure?
Financial infrastructure connects payments, securities, banks and markets. Learn how clearing, settlement, core systems and TARGET Services fit together. -
What is a core banking system?
A core banking system keeps a bank's official account and transaction records. See its modules, architecture, integrations, migration risks and DORA duties. -
How is cloud computing used in banking?
Cloud computing gives banks rented compute, storage and software. Learn where banks use it, what shared responsibility means and how DORA changes the decision. -
What is a European sovereign cloud?
A European sovereign cloud combines data location, legal control and operational autonomy. See what banks should test beyond a provider's sovereignty label. -
What is data residency?
Data residency states where data is stored or processed. Learn how it differs from sovereignty and localization, and what banks must map in cloud contracts. -
What is data sovereignty?
Data sovereignty concerns legal authority and practical control over data. See how banks assess access, encryption keys, portability and foreign-law exposure. -
What is a cloud exit strategy?
A cloud exit strategy sets out how a bank moves workloads, data and operations to another environment. Learn the sequence, tests, costs and DORA requirements. -
What are critical ICT third-party providers?
DORA puts designated critical ICT third-party providers under EU oversight. Learn who is designated, what oversight changes and what banks still must do. -
What is confidential computing?
Confidential computing protects data while it is being processed inside a trusted execution environment. Learn attestation, banking uses and remaining risks. -
What is open source banking?
Open source banking uses software whose code can be inspected and modified. Learn where it reduces dependency, what it does not solve and how banks govern it. -
What is financial market data?
Financial market data covers prices, quotes, trades and the reference information that identifies instruments. Learn real-time feeds, licensing and quality controls. -
What is an open banking API?
An open banking API lets authorized providers access account data or initiate payments with customer consent. Learn standards, security and European rules. -
What is open finance?
Open finance extends open banking to savings, investments, loans, pensions and insurance. Learn what FIDA, the Berlin Group and the UK route change. -
What is the EUDI wallet?
The European Digital Identity Wallet holds verified identity data on a phone. Learn the eIDAS 2 deadlines and what a bank can do with a wallet credential. -
What is ISO 20022?
ISO 20022 is a method and common dictionary for financial messages. Learn pain, pacs and camt messages, richer payment data and migration work. -
What are payment rails?
Payment rails are the rules, network, clearing and settlement arrangements behind a payment method. Compare bank transfers, instant payments, cards and wallets. -
What is a blockchain node?
A blockchain node keeps a full copy of the ledger and checks new blocks. Learn how full and archive nodes differ, where a validator begins and why a bank runs its own. -
What is post-quantum cryptography?
Post-quantum cryptography replaces public-key algorithms that a future quantum computer could break. Learn NIST standards, bank inventories and migration.